Having failed to plan for retirement, many U.S. workers are taking Social Security benefits early, often because unexpected life events are forcing them to do so.

That’s the sobering conclusion of new research from Nationwide Retirement Institute. Conducted by Harris Poll, the survey polled 902 adults ages 50 and older who are retired or plan to be in the next 10 years.

The survey shows that more than 8 in 10 (83 percent) of recent retirees started taking their benefits earlier than their full retirement age.

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